If you are an active-duty service member, veteran, or surviving spouse, the VA loan is one of the most powerful home buying tools available — and Bethea Realty’s Military Relocation Professional (MRP) designation means we know how to use it.

VA Loan Benefits

• Zero down payment required in most cases
• No private mortgage insurance (PMI) — saves hundreds per month
• Competitive interest rates typically below conventional loans
• Limited closing costs — sellers can pay up to 4% of closing costs
• No prepayment penalty

PCS Moves to the Capital Region

If you are relocating to the Capital District on Permanent Change of Station (PCS) orders, you need an agent who understands military timelines. Bethea Realty works with military families to find and close on a home quickly — often with limited in-person visits — using virtual tours, remote document signing, and coordinated closing schedules.

Military installations near the Capital Region: Stratton Air National Guard Base (Scotia), Fort Drum (approx. 2 hrs north), and numerous ROTC/Reserve installations throughout Albany and Saratoga counties.

VA Loan Certificate of Eligibility

Before you can use a VA loan, you need a Certificate of Eligibility (COE). You can apply through the VA’s eBenefits portal, your lender, or your Bethea Realty agent can help you get started. Most veterans qualify with as little as 90 days of active service during wartime or 181 days during peacetime.